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State Bank of IndiaDebit card

SBI Basic RuPay ATM-cum-Debit Card

The basic RuPay ATM-cum-debit card SBI explicitly issues with its full-KYC BSBDA and BSBDA Small Account, with no issuance or annual-maintenance charge under those relationships.

First-party evidencePublished researchReviewed September 9, 2026Active
Open primary bank source ↗Bank dossierCompare alternatives
Cost / chargesSBI states the Basic RuPay ATM-cum-Debit Card is issued free of cost with no annual maintenance charge for the reviewed BSBDA and Small Account relationships.
Linked accountNo standalone card balance requirement; the linked BSBDA has nil minimum balance, while the Small Account additionally has a ₹50,000 statutory maximum balance.
Transaction limitsAccount-level BSBDA/Small Account withdrawal restrictions can be much tighter than a card's technical channel capability; the Small Account also has the statutory ₹10,000 monthly aggregate withdrawal/transfer cap.
Core benefitsBasic RuPay ATM/debit access tied to SBI's financial-inclusion/basic savings relationships.
Research processPublished by littleden.blog

Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.

3 first-party sources
Last checkedSeptember 9, 2026

Recorded source review date, not a claim that the product changed that day.

Maintenance stateWithin scheduled review window

Target recheck: November 8, 2026.

Critical decision facts

Card cost, linked account, limits and usable benefits come as one package.

The debit-card proposition depends on the account relationship and the exact ATM, POS, international or lounge conditions attached to this variant.

01 · Cost / chargesSBI states the Basic RuPay ATM-cum-Debit Card is issued free of cost with no annual maintenance charge for the reviewed BSBDA and Small Account relationships.
02 · Linked accountNo standalone card balance requirement; the linked BSBDA has nil minimum balance, while the Small Account additionally has a ₹50,000 statutory maximum balance.
03 · Transaction limitsAccount-level BSBDA/Small Account withdrawal restrictions can be much tighter than a card's technical channel capability; the Small Account also has the statutory ₹10,000 monthly aggregate withdrawal/transfer cap.
04 · Core benefitsBasic RuPay ATM/debit access tied to SBI's financial-inclusion/basic savings relationships.
Maintained terms

Fees, balances, benefits, limits and eligibility without a single-score shortcut.

These six fields are the cross-product layer. The specialist section above controls whenever a type-specific field is more precise.

Cost / chargesSBI states the Basic RuPay ATM-cum-Debit Card is issued free of cost with no annual maintenance charge for the reviewed BSBDA and Small Account relationships.
Linked accountNo standalone card balance requirement; the linked BSBDA has nil minimum balance, while the Small Account additionally has a ₹50,000 statutory maximum balance.
Core benefitsBasic RuPay ATM/debit access tied to SBI's financial-inclusion/basic savings relationships.
Transaction limitsAccount-level BSBDA/Small Account withdrawal restrictions can be much tighter than a card's technical channel capability; the Small Account also has the statutory ₹10,000 monthly aggregate withdrawal/transfer cap.
EligibilityIssued with eligible SBI Basic Savings Bank Deposit Account and Basic Savings Bank Deposit Small Account relationships.
Account relationshipExplicitly issued with both the full-KYC SBI BSBDA and the relaxed-KYC SBI BSBDA Small Account.
Fit & cautions

Who this record appears designed for—and what can break the fit.

Best-fit wording summarizes the published proposition. It is not individualized financial advice or an approval prediction.

Potential fit

SBI BSBDA customers who need basic ATM/debit access rather than a premium international debit-card proposition.

Verify before relying
  • Do not infer premium SBI debit-card features or limits from this basic card.
  • The linked account's withdrawal framework controls usage even where the card itself remains active.
  • Small Account KYC caps apply at account level independently of the free card fee treatment.
Verified product relationships

Links the bank explicitly documents.

This section is narrower than the same-bank map below. Every relationship shown here has its own first-party evidence; products merely sharing a bank are not treated as linked.

Included with SBI BSBDA

SBI Basic Savings Bank Deposit Account

SBI explicitly states that its full-KYC Basic Savings Bank Deposit Account is issued with a Basic RuPay ATM-cum-Debit Card free of cost and without annual maintenance charge.

The card fee treatment comes from the BSBDA relationship; account-level withdrawal rules remain controlling and current SBI material excludes non-ATM digital payments such as POS, NEFT, RTGS, UPI and IMPS from the BSBDA withdrawal count.Verify relationship at bank ↗
Included with SBI Small Account

SBI Basic Savings Bank Deposit Small Account

SBI explicitly states that its Basic Savings Bank Deposit Small Account receives a Basic RuPay ATM-cum-Debit Card free of cost with no annual maintenance charge.

The free card does not relax Small Account caps: ₹50,000 maximum balance, ₹1 lakh aggregate credits per financial year and ₹10,000 aggregate monthly withdrawals/transfers remain separate account controls.Verify relationship at bank ↗
Maintained comparisons

Compare this product only where the pair is deliberately maintained.

Both sides keep independent review dates, exact conditions and first-party evidence. No winner score is generated.

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First-party source ledger

Complete evidence set for this maintained profile.

Each source remains independent. A product page, tariff, KFS/MITC, rate schedule or programme document is not silently treated as interchangeable evidence.

01
Primary product / service sourcehome.sbi.bank.in
Open source ↗02
Additional first-party evidencehome.sbi.bank.in
Open source ↗03
Additional first-party evidencesbi.bank.in
Open source ↗
Current-use rule

When the bank changes a term after the recorded review, the current agreement, tariff, KFS/MITC or effective rate table controls.

Research boundary

This page organizes dated public evidence; it does not guarantee eligibility, availability, approval, service quality or future pricing.